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60% CLI approval on Walmart Credit Card from Synchrony Bank/GECRB! (and a question)

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cbarret2
Contributor
‎08-25-2014 04:50 PM
‎08-25-2014 04:50 PM

60% CLI approval on Walmart Credit Card from Synchrony Bank/GECRB! (and a question)

I had a $1,000 credit limit on my Walmart Credit Card and I asked for a CLI online and it was granted immediately! My CL is now $1,600! This was after 4 statements; not 4 months. There were a few months where I did not carry a balance.

 

Guide to Receiving Online/Auto/Soft Pull CLIs:

 

To have to best chances obtaining a CLI in 3 - 4 months, I would recommend carrying a balance until your statement cuts, then you can pay in full as long as you make more purchases/transactions or the mininum payment matches your balance.

 

Does anyone know if there's a certain CL your card can reach before they will upgrade it to a Walmart MasterCard (no longer a Discover)? If not applicable, what circumstances will allow an upgrade to a Walmart MasterCard?

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chalupaman
Super Contributor
‎08-25-2014 05:06 PM
‎08-25-2014 05:06 PM

Re: 60% CLI approval on Walmart Credit Card from Synchrony Bank/GECRB! (and a question)

Congrats man! Nice work there. 

 

I was wondering about that upgrade too. I wanted to talk to customer service about it.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
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coldnmn
Mega Contributor
‎08-25-2014 05:11 PM
‎08-25-2014 05:11 PM

Re: 60% CLI approval on Walmart Credit Card from Synchrony Bank/GECRB! (and a question)

Congrats! There seems to be no reasoning on the the PC. It took me 26 months to get it and others less then a year. Thanks for sharing.

 

 

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
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Tony275
Valued Contributor
‎08-25-2014 05:34 PM
‎08-25-2014 05:34 PM

Re: 60% CLI approval on Walmart Credit Card from Synchrony Bank/GECRB! (and a question)

I disagree with the statement you made about making a purchase during a month. I just got a CLI today from $5,200 to $8,000 via Credit Solutions and haven't made a purchase since end of June!

Congrats on your CLI!
Starting Score: (June 2014) TU08: 663 | EQ04: 640 | EX08: 685
Current Score: TU08: 757 | EQ04/08: 757/758 | EX08: 761
Goal Score: 800 across the board

Total Credit Line - $186,050 | Utilization - 16.8%
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cbarret2
Contributor
‎08-25-2014 05:37 PM
‎08-25-2014 05:37 PM

Re: 60% CLI approval on Walmart Credit Card from Synchrony Bank/GECRB! (and a question)

Thanks popamode 72 and coldnmn!

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cbarret2
Contributor
‎08-25-2014 05:42 PM
‎08-25-2014 05:42 PM

Re: 60% CLI approval on Walmart Credit Card from Synchrony Bank/GECRB! (and a question)

Thanks for catching my mistake! I probably should edit my statement. I meant to say online/auto CLIs/possible soft pulls (no customer service). That's what I've achieved without Credit Solutions. Imagine my success if I actually bothered to call customer service!

 

 

Thanks Tony275!

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Tony275
Valued Contributor
‎08-25-2014 05:47 PM
‎08-25-2014 05:47 PM

Re: 60% CLI approval on Walmart Credit Card from Synchrony Bank/GECRB! (and a question)

My call literally took 6 mins 10 seconds today!! Go for it!

I don't wanna call out "mistakes" just clarifying my experience! I only got $200 auto luv from them after 2 months of open account! So you're doing much better on your account than mine! But I would HIGHLY suggest calling and asking for more! They're a great utilization cushion!
Starting Score: (June 2014) TU08: 663 | EQ04: 640 | EX08: 685
Current Score: TU08: 757 | EQ04/08: 757/758 | EX08: 761
Goal Score: 800 across the board

Total Credit Line - $186,050 | Utilization - 16.8%
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elim
Senior Contributor
‎08-25-2014 05:53 PM
‎08-25-2014 05:53 PM

Re: 60% CLI approval on Walmart Credit Card from Synchrony Bank/GECRB! (and a question)

call credit solutions now!

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cbarret2
Contributor
‎08-25-2014 06:04 PM
‎08-25-2014 06:04 PM

Re: 60% CLI approval on Walmart Credit Card from Synchrony Bank/GECRB! (and a question)

I also don't know their number; another reason I haven't called them.

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Tony275
Valued Contributor
‎08-25-2014 06:05 PM
‎08-25-2014 06:05 PM

Re: 60% CLI approval on Walmart Credit Card from Synchrony Bank/GECRB! (and a question)

(877) 379 - 8173
Starting Score: (June 2014) TU08: 663 | EQ04: 640 | EX08: 685
Current Score: TU08: 757 | EQ04/08: 757/758 | EX08: 761
Goal Score: 800 across the board

Total Credit Line - $186,050 | Utilization - 16.8%
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